Total Assets
$186M
Total balance-sheet footings
FDIC Cert #1562 · Lebanon, Kentucky · Est. 1910
Peoples Bank - FDIC Bank Health Profile
A community-scale look at Peoples Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $186M
- Total assets
- C
- Health grade · Fair
- 1.15%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Bank earns a PlainBankData health grade of C (62/100), with 9.31% Tier 1 capital, profitable at 1.15% ROA, 61% efficiency ratio.
- #3,117
- largest of 4,313 FDIC banks by assets
- 28th
- percentile by asset size, nationally
- 9.31%
- Tier 1 ratio - below the 10% well-capitalized line
- 53rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
FDIC Call Report plate
Cert 1562 · KY C · 62/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-C C (62/100)
- LOWER-Q #3699/4307
- PHOTO-FINISH Community Bank · SD
- TIER1-ADEQ 9.3% Tier 1
- TEXAS-CLEAN 7.3% Texas
- ROA-PAR 1.15% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: Community Bank, SD (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Peoples Bank
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What Peoples Bank's Call Report plate shows
Peoples Bank (FDIC Cert #1562) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,699 of 4,307. Tier 1 capital prints at 9.31%, missing the 10% well-capitalized line. The Texas Ratio is 7.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $186M, 3,117th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Peoples Bank
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
Peoples Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Peoples Bank remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
How Peoples Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (9.31%) 18/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (7.25%) 16/20
Efficiency Ratio (60.50%) 8/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$163M
Customer-funded liabilities
Net Loans
$157M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank's score of 62/100 falls in the highlighted band.
Peoples Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
62 14th percentile higher than 14% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Peoples Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Bank's $186M falls in the highlighted band.
Safety ratios for Peoples Bank
Tier 1 capital ratio
Well-capitalized 10%
9.31% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.31%
Texas Ratio
7.25%
Equity Capital
$15M
Earnings posture at Peoples Bank
Return on Assets (ROA)
53rd percentile nationally
1.15%
Return on Equity (ROE)
15.60%
Efficiency Ratio
60.50%
Income & expense at Peoples Bank
$11M
Interest Income
$260K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank reports a Texas Ratio of 7.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($186M here), outside Kentucky so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank (FDIC Cert #1562) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Peoples Bank Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |